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Stocks n Shares ISA


Big Jeff said:
Result - it hasn’t gone down in value and as I have no imminent plans to spend it the value will still be there when the recovery comes.
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You’re confident of predicting a recovery…… maybe a career in financial services beckons? After all that’s the only skill required the ability to read the future.
 
Hucknalls Fluffer said:
You’re confident of predicting a recovery…… maybe a career in financial services beckons? After all that’s the only skill required the ability to read the future.
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Things can only get better now liz is in charge.

She will sort this out and we will all be in clover in 12 months

😂
 
GordonMuchallNo1Fan said:
I need to use my tax free allowance :lol: . Mind you can never work out how much interest I could earn before the tax man knocks. Happy to use tax free allowance for now though.
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£1000 per year, presuming you're a basic rate tax payer earning above minimum wage.

That's about what you will earn on £25k in a one year account or about £50k in instant access. I guess now that rates are rising, an ISA might make more sense.
 
Question - I have a help to buy ISA through Barclays that I pay into. I also have a trading account on 212 I just use the invest section but they have the ISA section also. Can I pay into the ISA on that in the same year as my help to buy?
 
AndrewP said:
£1000 per year, presuming you're a basic rate tax payer earning above minimum wage.

That's about what you will earn on £25k in a one year account or about £50k in instant access. I guess now that rates are rising, an ISA might make more sense.
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Aye need to be careful. Tax man will be clawing in a few quid soon if these rates keep rising. Atom were doing one for 5% the other day
 
Biggest mistake I made was investing my full allowance in April - if I'd bene putting it in monthly would have been riding the wave a bit better, although pensions still taking a hit also with vanguard - US shares diving tanking more to do with that.
 
Baby Give It Up said:
Question - I have a help to buy ISA through Barclays that I pay into. I also have a trading account on 212 I just use the invest section but they have the ISA section also. Can I pay into the ISA on that in the same year as my help to buy?
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You can spread your £20k across the various different ISAs, help to buy, cash, s&s, but the total mustn’t exceed the £20k & you can’t put into two of the same type I.e £1k into two cash ISAs.

Also, have a read on lifetime isa as opposed to help to buy. More flexible to put money in & you can put more in. Can transfer you htb to a lisa if needed.
 
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Johnny Alpha said:
This man can see the future!

I’ve just logged in to see the damage on my Vanguard account. I wish I hadn’t.

Thank you Liz Truss.
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Think yourself lucky.y endowment matured on 10th October. It's longer linked to my mortgage so I wanted to just keep it on but they won't let me....bloody Tories.
I realise my last post Comes across as a bit flippant @Johnny Alpha. What I meant was that hopefully youll have the time for it to grow again.
 
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TAD said:
Think yourself lucky.y endowment matured on 10th October. It's longer linked to my mortgage so I wanted to just keep it on but they won't let me....bloody Tories.
I realise my last post Comes across as a bit flippant @Johnny Alpha. What I meant was that hopefully youll have the time for it to grow again.
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It’s a message board. I’m not going to take offence, but thank you.
 
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Shirley Shammel said:
Stay invested. Like all stock market crashes before it in all of history the recovery will come soon enough. It will get worse before it gets better but it will get better. Recent examples include the start of the COVID pandemic (March 2020), the 3 month bear market in 2018, global financial crisis of 2008, September 11th and the dot com bubble (2000), with loads of little ones in between. Markets recovered quickly from all of them and then some. TIME IN the markets makes long term returns not TIMING the markets.
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Absolutely !

For what its worth I started about 3 or 4 years ago with FTSE S&S ISA's + HSBC Global Strategy + Vanguard 100 and despite Covid and the latest situation I've still made a small percentage.

FTSE 250 is biggest loss despite being in the Hargreaves Landsdown wealth list.
 
Derby Mackem said:
Absolutely !

For what its worth I started about 3 or 4 years ago with FTSE S&S ISA's + HSBC Global Strategy + Vanguard 100 and despite Covid and the latest situation I've still made a small percentage.

FTSE 250 is biggest loss despite being in the Hargreaves Landsdown wealth list.
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The HL Wealth List is just a marketing tool.

But yes, the 250 has taken a beating. The FTSE 100 index has some protection from being dominated by big globals (esp in oil and gas) who make a lot of their money in dollars. The 250 is more domestically focused with manufacturing, services and retail all of which have suffered from COVID, Brexit and the cost of living.
 
Darlo1973 said:
The HL Wealth List is just a marketing tool.

But yes, the 250 has taken a beating. The FTSE 100 index has some protection from being dominated by big globals (esp in oil and gas) who make a lot of their money in dollars. The 250 is more domestically focused with manufacturing, services and retail all of which have suffered from COVID, Brexit and the cost of living.
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Mines direct with HSBC so HL are not making anything off me so I feel a bit better !
 
Darlo1973 said:
I have money in that fund too so I share your pain. However most of my investments are in the US so things aren't quite as bad as they could have been.
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I think I need a bit more diversification - Asia maybe ?
I have a little in a L&G US Index fund with HL which has done quite well but got in at the wrong time with Baillie Gifford American 😁
 
Coventry Building Society 4.4% 1 year fixed
42 said:
If you want a bit of a risk, there is loanpad p2p (it's probably the least risky p2p choice). Currently 4.2% on a 60 day notice, increasing to 4.4% by October
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Coventry Building Society 4.4% 1 year fixed, sounds safer than P2P to me?
 
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